UNITED SAVINGS
Charter #65578 · FARGO, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,161 sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.19% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.14% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.30% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.51% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNITED SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.30M | 16th pct | 30th pct |
| Members | 7,161 | 13th pct | 13th pct |
| Net worth ratio | 12.54% | 64th pct | 69th pct |
| Return on average assets | 0.19% | 16th pct | 13th pct |
| Net interest margin | 4.14% | 79th pct | 75th pct |
| Cost of funds | 1.27% | 54th pct | 56th pct |
| Loan-to-share | 81.03% | 71th pct | 75th pct |
| Delinquency 60+ days | 1.30% | 86th pct | 82th pct |
| Net charge-off ratio | 0.44% | 58th pct | 70th pct |
| Loan growth YoY | -0.71% | 39th pct | 30th pct |
| Share growth YoY | 3.91% | 56th pct | 59th pct |
| Efficiency ratio | 89.51% | 84th pct | 79th pct |
structural peer set hash: af0d0a50196b61138744fd4c14aebeac… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED SAVINGS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.